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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th Jun 2026

63% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Value for money I got my loan without any difficulty and it was a quick response. Reviewed on: 6th March 2026

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About this product

Zopa is an award-winning personal loan provider.

When you apply for a Zopa loan, you’ll see your personalised loan rates in just three minutes so you know exactly what you could get. Checking your rates won't affect your credit score. If your loan’s approved, you’ll get the money within two hours.

Zopa personal loan reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Personal loan reviews (69091)

Very prompt and easy to set up

Unlike other loan providers I have used, Zopa's procedures for setting up a loan were easy, and the interest rates were as advertised. No complaints whatsoever! Reviewed on: 22nd December 2016

Very competitive rate

I am a Zopa customer who is fully satisfied with the process and efficiency, which Zopa and it's staff follow. I will always use Zopa for personal loan. It's fast, competitive and efficient organisation. I simply love the way these guys work. One of my friends have also used Zopa and he is equally happy and satisfied with the service level and communication. Reviewed on: 22nd December 2016

Why use a High Street Bank?

Far better rates for lenders and borrowers. Lenders decide what risk they want to take, based on what return they want. No longer is it necessary to line the pockets of High Street banks. A great concept. Reviewed on: 22nd December 2016

Really great rate - easy to apply

Very simple and straightforward. Good low rate. Reviewed on: 22nd December 2016

Fast, efficient and easy to use service.

From start to finish, everything went smoothly. This is simply a great service that delivers. Reviewed on: 22nd December 2016

Fantastic and easy

From start to finish the process was easy and the money was with me in no time - they have good rates too! Reviewed on: 22nd December 2016

No anxious waiting

It was the easiest hassle free process ever. Reviewed on: 22nd December 2016

Simple and easy, with a great apr

Loan for a new/used car and everything was easy, simple and fast Reviewed on: 22nd December 2016

Zopa - fab

Took out my 2nd loan with zopa Website so easy to use and funds arrived promptly plus great rates It's how loans should be ! Top drawer Reviewed on: 22nd December 2016

Quick and hassle free borrowing

Looked for best rates available for personal loan and Zopa are the best. No phone calls, no to and fro just a quick decision and done. Everything done online as it should be in the 21st century. Reviewed on: 22nd December 2016

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